Compare 2016 Mercedes-Benz SLC-Class Car Insurance Rates

Want cheaper insurance rates for your Mercedes-Benz SLC-Class? If you are a novice to online insurance shopping, it’s easy to be confused by the sheer number of insurers that all say they have the best rates.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. But consumers do need to understand the methods companies use to sell online and use this information to your advantage.

Are you getting every discount?

Some insurers do not list all disounts in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online.

Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on one policy could earn a price break for each car.
Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before raising your premiums if you have no claims prior to the accident.
Government Employees – Active or former government employment may reduce rates when you quote insurance coverage for SLC-Class insurance with some insurance coverage companies.
Defensive Driver – Taking a defensive driving class could earn you a small percentage discount and easily recoup the cost of the course.
Drive Less and Save – Keeping the miles down on your Mercedes-Benz can earn better insurance coveragerates on cars that stay parked.
Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.

As is typical with insurance, most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business. But all discounts will help lower the amount you have to pay.

A few popular companies and a partial list of their discounts include:

State Farm offers premium reductions for safe vehicle, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, and accident-free.
Farmers Insurance may have discounts that include mature driver, business and professional, electronic funds transfer, multi-car, distant student, and early shopping.
Geico policyholders can earn discounts including anti-lock brakes, seat belt use, multi-policy, military active duty, and air bags.
American Family includes discounts for accident-free, good student, air bags, Steer into Savings, early bird, good driver, and mySafetyValet.
Nationwide offers discounts including anti-theft, defensive driving, multi-policy, business or organization, and accident-free.
Progressive has savings for online quote discount, continuous coverage, online signing, good student, multi-policy, homeowner, and multi-vehicle.

If you need lower rates, check with every prospective company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your area.

How to lower your insurance rates

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious like your driving record, but some are less obvious such as your marital status or your vehicle rating.

The items below are just a few of the factors used by companies to determine rates.

Better auto insurance rates with anti-theft devices – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
Driving citations can increase costs – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Having just one driving citation can increase rates by as much as thirty percent. Drivers who have careless tickets such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
Policy add-ons add up – Insurance companies have many extra coverages you can purchase when buying auto insurance. Insurance for things like coverage for rental cars, high-cost glass coverage, and membership fees may not be needed and are just wasting money. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
Keep auto insurance rates low by being claim-free – If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Car insurance companies generally give the lowest premiums to people who do not file claims often. Your insurance policy is intended to be relied upon for more catestrophic claims.
Liability insurance risk factors in – The liability coverage on your policy kicks in if a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

When in doubt talk to an agent

When choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions could help you determine if your situation might need professional guidance.

Do I benefit by insuring my home with the same company?
What is PIP insurance?
Am I covered when driving in Canada or Mexico?
How do I file an SR-22 for a DUI in my state?
Is my state a no-fault state?
How high should my medical payments coverage be?
I have good health insurance, so how much medical payments coverage do I need?
How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Tricks in car insurance advertising

Car insurance companies such as Allstate and Progressive continually stream ads in print and on television. All the companies have a common claim that drivers can save some big amount if you change your car insurance coverage to their company. How can each company give you a lower rate?

Most companies quote the lowest rates for a prospective insured that will most likely be profitable. One example of this type of insured might be described as married and over the age of 30, has never had a claim, and has a short commute. Someone who fits that profile receives the best prices and will also pay quite a bit less when switching companies.

Drivers who cannot meet these stringent criteria may be required to pay more expensive rates and the driver buying from a lower-cost company. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently advertise the savings. This emphasizes why it is so important to quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest auto insurance rates.

Auto insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as legal defense fees, repair costs for stationary objects, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Collision insurance

This coverage covers damage to your SLC-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, colliding with a tree, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, dental work and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, falling objects, fire damage, hitting a bird and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes. Lower rates.

Cheaper 2016 Mercedes-Benz SLC-Class insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and these small, regional companies sell through independent agencies.

We just presented a lot of information how to shop for 2016 Mercedes-Benz SLC-Class insurance online. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small local company.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. Your objective should be to buy enough coverage at a price you can afford while still protecting your assets.